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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,855 | $85,766-85.0% | $136,298-90.6% | $70,126-81.7% |
| Participation rate | 51.7% | 74.2%-22.5pp | 81.9%-30.2pp | 69.5%-17.9pp |
| Annual return | 14.11% | 31.46%-17.3pp | 5156.27%-5142.2pp | 73.15%-59.0pp |
| Employer contribution / active EE | $300 | $2,966-89.9% | $4,696-93.6% | $2,343-87.2% |
| Participant deferral / active EE | $2,232 | $5,051-55.8% | $6,247-64.3% | $3,332-33.0% |
| Admin fee / account holder | $1,346 | $5,421-75.2% | $9,244-85.4% | $4,645-71.0% |